the law itself is 2,500 pages. most of them missed the point. for example, we haven't dealt with the too big to fail issue in an adequate way. we haven't dealt with fannie mae and freddie mac and the housing in an adequate way. we have too many regulators that are -- the system is too frag managemented and it's too poe lit sized. there's a lot of things we should have done ta dodd frank didn't do. i'm all in favor of very strong regulation, but we didn't get it with dodd-frank. i think with dodd-frank all we got was excessive and ineffective regulation and we haven't fixed our system. >> wa about the inof banker pay? is it structured in a way that creates problems and different vulnerabilities within the banking industry? would you reform it? and how so? >> i couldn't quite hear that question. we don't have a great connection the. >> sorry, bill. we apologize for all the issues. i lastly wanted to ask you about banker pay. compensation is in focus here. does it need to be reformed? if so, how? >> i think i heard you talking about compensation an